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first_img 5SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr NCUA’s obstinate and myopic refusal to submit its budget  to a  formal and open public process took another bizarre turn yesterday. To put it nicely,  the agency is demonstrating everything that can go wrong when an independent agency has too little oversight.The ostensible issue is about the Overhead Transfer Rate.  The real issue is fast becoming how much power an independent agency has to spend other people’s money without  oversight.The OTR represents money that the NCUA takes from the NCUA Share Insurance Fund to cover “Insurance Related Expenses.”  According to the National Association of Credit Union Supervisors   the OTR increased 40.1% from $67.0 million in 2013 to $93.9 million for 2015. NASCUS argues that “By shifting a portion of FCUs’ share of NCUA expenses to the NCUSIF, the OTR reduces out-of-pocket expenses incurred by FCUs. The resulting reduction in FCU Operating Fees provides a singular advantage to FCUs and adversely affects the competitive position of FISCUs relative to FCUs.” continue reading »last_img read more

first_imgBatesville, In. — “National Coffee Day” is Saturday, September 29. Experts say the coffee industry in American generates $48 billion annually.A survey completed by WallettHub recently ranked the best cities for coffee lovers. Here are the results.last_img

first_img Seven teenagers will represent England Golf in the German Boys’ and Girls’ Open at St Leon Rot from June 5-7. They are Toby Briggs of Norfolk, Sam Done of Lincolnshire, William Enefer of Shropshire, Harry Hall of Cornwall, Sophie Lamb and Hollie Muse of Lancashire and Lizzie Prior of Surrey. Briggs, Enefer and Hall will combine in the boys’ Nations Cup team, while Lamb, Muse and Prior make up the girls’ team. Done will play as an individual. The players: Toby Briggs, 15, (Dunston Hall) helped England win the Nations Cup at the Fairhaven Trophies and was runner-up in the boys’ individual event. He was unbeaten in the recent U16 international against Spain. Sam Done, 17, (Kenwick Park) was third in the recent Fairhaven Trophies and tied sixth in the 2014 boys’ county champion of champions tournament. William Enefer, 17, (Wrekin) tied fourth in the Fairhaven Trophies and had top ten finishes in the Peter McEvoy Trophy and the West of England stoke play. Harry Hall, 17, (West Cornwall) won the Welsh Youths’ Open last year and this year has finished sixth in both the Darwin Salver and the West of England stroke play. Sophie Lamb, 17, (Clitheroe) was fourth in the Welsh women’s stroke play, fifth in the Irish and eighth in the Scottish. She won the Fairhaven Trophies in 2013 and ’14 and is a girl international. Hollie Muse, 15, (West Lancashire, image © Leaderboard Photography) helped England beat Spain in the recent mixed international and this season has won the Scottish U16 championship and The Leveret. She has represented England in both ladies’ and girls’ teams. Lizzie Prior, 17, (Burhill) has won the Fairhaven Trophies and the Critchley Salver this season. She also tied fourth in the Roehampton Gold Cup. She is a girl international. 28 May 2015 Teenagers head to Germany last_img read more